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I buy a lot from Amazon and am contemplating doing an app for this, but I am leery of GECRB since they rejected me back in the Spring for a Paypal Visa CC. Thing is I am 15 months post Chap. 7 BK Discharge and recently landed two other CCs and am on the fence about doing another app so soon.
I know that the other Amazon option provided by Chase is not BK friendly, that is Chase isn't.
I know that GE changed their name to Symphony Bank, but I'm still not sure if this is worth the inquiry? Does anyone have any ideas?
@Insoc wrote:I buy a lot from Amazon and am contemplating doing an app for this, but I am leery of GECRB since they rejected me back in the Spring for a Paypal Visa CC. Thing is I am 15 months post Chap. 7 BK Discharge and recently landed two other CCs and am on the fence about doing another app so soon.
I know that the other Amazon option provided by Chase is not BK friendly, that is Chase isn't.
I know that GE changed their name to Symphony Bank, but I'm still not sure if this is worth the inquiry? Does anyone have any ideas?
In 2008 I was approved for every GE card for which I applied - about a total of 7 - including Amazon -. with a 5-year-old BK. I still have 4 of those accounts all but JCP have at least a $5,000 CL - and the JCP was CLD simply due to a lack of use - but it was actually my highest CL. I do not know if things have changed - but I know back then - many of us turned to GE to help us rebuild - and to gain accounts that actually grew with us even though we had a spotty credit profile.
@Anonymous wrote:
I know when you click to app for the Amazon store card it says No Bankruptcies and No Serious derogs(I was scared about that one before I applied because I didnt know the definition of a serious derog).........but I have seen many people on this board who had a BK (not sure how old it was) and was approved for the Amazon store card. This is my experience.
My mom has about the same score (hers might of been a little lower but she was still over 600) as I did when we both app'ed for the Amazon Store card.My TU was 623. The only difference is she had a BK from 12 months ago (perfect history since then) and I had 3 very very old collections (5-6 years old) but I have never filed BK
......she applied first and got the standard "we will contact you message" and was later denied. I applied and was Instantly approved for $800
Like I said her BK was only 12 months though and was recently approved for Pacific Sunwear, Justice, Victorias Secret, and 2 Cap One cards. I know for a fact I have seen quite a few members say they had a BK and were approved for a Amazon store Card but I just dont know how fresh or old their BK was. Maybe someone can help with that but I do know they will approve you with BK's!
Interesting, I still have not attempted to apply. I did read some negatives, appears that they are noted for reducing your CL without warning, some people stated they had greater than $1K of credit, paid off the balance prior to 6 months expiring to not get hit with interest and that their CL was reduced to $100, attempts to get any answers or recons were unsuccessful, also I read that their bill pay online is confusing, they have it buried under several pages and make it very difficult to pay or should say the process to pay is not as easy as it is with other creditors.
I buy a lot from Amazon, thinking this would be a benefit but I'm now having doubts.
@Insoc wrote:I buy a lot from Amazon and am contemplating doing an app for this, but I am leery of GECRB since they rejected me back in the Spring for a Paypal Visa CC. Thing is I am 15 months post Chap. 7 BK Discharge and recently landed two other CCs and am on the fence about doing another app so soon.
I know that the other Amazon option provided by Chase is not BK friendly, that is Chase isn't.
I know that GE changed their name to Symphony Bank, but I'm still not sure if this is worth the inquiry? Does anyone have any ideas?
The old rule of thumb was 2+ yrs out of BK for GECRB. So I'd recommend holding off just a couple more months.
Well I decided to apply this morning, was shocked as I got instant approval for $600 with no issues.
Not sure if being a Amazon Prime Member made a difference?
I think this will be it for me now, time to garden.
Amazon has a large pool of grossly incompetent customers, at least that is my thought after realing their forums. Just ignore half of the negatives you read.
Payment is extremely easy. Amazon.com/storecard has all the links one needs. There are also links on the bottom of every amazon page to the credit card section. When you are automatically approved it will let you set up online bank accesss during the process. I made my first payment the day the first charge posted to my account.
Some examples so you get an idea on the calibur of customers that have the card.:
People who cannot figure out how to set up bill pay through their own bank.
People who think a store card should be able to be used anywhere Visa and Mastercard can be used.
People who have a $500 credit limit who think they can buy a $2000 item because the monthly payment is less than their credit limit.
People who max out their card before they even have the account number to make a payment.
@Anonymous wrote:Amazon has a large pool of grossly incompetent customers, at least that is my thought after realing their forums. Just ignore half of the negatives you read.
Payment is extremely easy. Amazon.com/storecard has all the links one needs. There are also links on the bottom of every amazon page to the credit card section. When you are automatically approved it will let you set up online bank accesss during the process. I made my first payment the day the first charge posted to my account.
Some examples so you get an idea on the calibur of customers that have the card.:
People who cannot figure out how to set up bill pay through their own bank.
People who think a store card should be able to be used anywhere Visa and Mastercard can be used.
People who have a $500 credit limit who think they can buy a $2000 item because the monthly payment is less than their credit limit.
People who max out their card before they even have the account number to make a payment.
That's what I realized after reading more into the reviews as well.
Amazon actually gave me instant access to the credit line and made it my preferred payment method automatically, along with that they gave me a $40 instant gift card.
I do not see me ever needing more than the CL they gave me, just wish they offered points like the Chase Amazon VISA, but I did not even bother applying for that since my BK would have meant instant denial.
The 6 month to 12 month promo, no APR is nice. Do they offer this only one time or occasionally?